In a financial institution, employee theft is always a concern and that risk is amplified by the current state of the economy. Normally honest employees may resort to theft if they are facing tremendous financial burdens at home. Employees may also be motivated to steal if they were given extra responsibilities after others were terminated without an increase in compensation. It is important that you recognize this risk so that you can take action to prevent it.
In an effort to protect the privacy of consumer information and reduce the risk of fraud and identity theft, the federal government created the Disposal Rule. This legislation requires businesses to take appropriate actions to dispose of sensitive information derived from consumer reports to safeguard against identity theft crimes.
As a spiritual safe haven for people to come and worship and learn, it is your organization’s duty to protect the safety of its youngest members. To achieve this, you need to ensure that your environment is fully secure by implementing policies with children’s best interests in mind. This should reduce and help to prevent adult misconduct while also protecting your staff and volunteers from unsubstantiated accusations.
A hardworking person can have a powerful influence on his or her team, especially when he or she is working with someone who is new to the job or to the company. As the co-worker of a new employee, consider yourself the most important role model during his or her first few weeks. Your attitude and your respect of policies and safety procedures could save him or her from an accident or serious injury!
Any school administrator knows that educational facilities contain countless risks and liabilities to protect against with insurance coverage. But one hazard that many fail to recognize is that of pollution. Because of the unique environment of a school and the greater vulnerability that children have to pollutants, educational facilities actually face one of the largest pollution risks.
Filling up a vehicle used for school trips or on school grounds may seem like an easy, mindless task, but it can be extremely dangerous if done incorrectly. When refueling on school grounds or when stopping off-campus to fill up, make sure you are taking the right precautions to keep yourself, students and the equipment safe. Use these tips to ensure refueling does not result in an accident.
Allowing individuals to inhabit your property exposes you to several liabilities, many of which vary in severity depending on state and local laws. Consider the following, and work with INSURICA to develop an appropriate risk management plan.
Those who run restaurants are often some of the most passionate business owners, investing time and money to deliver a high-quality experience to their customers. However, the hospitality industry can be unforgiving, and it’s a constant challenge for owners to deliver exceptional food and service while maintaining profitability. The list below provides an overview of these restaurant industry risks and more—helping you identify potential blind spots in your risk management and insurance programs.
As a financial institution, your customers trust you with their money. And, whether you provide checking or savings accounts, loans, or cash and wire transfers, there are a number of risks associated with your operations that you may not have considered. The list below provides an overview of common financial intuition exposures, helping you identify potential blind spots in your risk management and insurance programs.
More than most other businesses, restaurants are loaded with hazards. What’s more, employers not only have to ensure employee safety, but patron safety as well, often creating a complex, risk-management challenge. Thankfully, taking the appropriate precautions and accessing your exposures on a risk-by-risk basis can go a long way toward protecting your investment. This guide is designed to provide a summary of the major risks restaurant owners must address and includes helpful strategies and materials they can use to reduce the exposures associated with their business.